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Credit line processing method and device

A technology of credit line and processing method, applied in the field of credit line processing method and device, can solve the problems of credit risk, influence accuracy, limited accuracy and comprehensiveness of user data, etc., so as to reduce credit risk and ensure accuracy and comprehensive effect

Pending Publication Date: 2022-08-05
重庆蚂蚁消费金融有限公司
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Problems solved by technology

However, with the implementation of the Law on the Protection of Citizens' Personal Information, the accuracy and comprehensiveness of user data obtained by consumer finance platforms and third-party platforms are limited, which affects the accuracy of the credit line evaluation results output by the credit line model, and thus there is a credit risk

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  • Credit line processing method and device
  • Credit line processing method and device
  • Credit line processing method and device

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Embodiment Construction

[0036] In order to make the purpose, technical solutions and advantages of this specification clearer, the technical solutions of this specification will be clearly and completely described below in conjunction with specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only some of the embodiments of the present specification, but not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this document.

[0037] It should be understood that although the terms "first", "second", etc. may be used in this specification to describe various information, such information should not be limited by these terms. These terms are only used to separate information of the same type from each other. For example, the first information may also be referred to as the second inform...

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Abstract

The embodiment of the invention discloses a credit line processing method and device. The method comprises the following steps: obtaining current credit related information and a current credit line authorized by a user, wherein the current credit line is obtained by evaluation based on a credit line model and the current credit related information; based on a preset explanation algorithm, the current credit related information and the current credit line, explaining the credit line model to obtain a line agent model used for explaining the credit related information required by the credit line model for evaluation and the relationship between the credit line model and the credit line obtained by evaluation; based on the quota proxy model and the current credit related information, determining target related information missed by the user and pushing the target related information to the user; and re-evaluating the credit line of the user based on the supplementary content of the user for the target related information and the credit line model.

Description

technical field [0001] This document relates to the field of computer technology, and in particular, to a method and device for processing a credit line. Background technique [0002] At present, the input factors of the credit line model used to evaluate credit lines mainly come from user data provided by consumer finance platforms and third-party platforms. However, with the implementation of the Citizens' Personal Information Protection Law, the accuracy and comprehensiveness of user data obtained by consumer finance platforms and third-party platforms are limited, which affects the accuracy of the credit line assessment results output by the credit line model, resulting in credit risk. . [0003] Based on this, there is an urgent need for a technical solution that can accurately evaluate the credit limit for users, so as to reduce the credit risk. SUMMARY OF THE INVENTION [0004] The purpose of the embodiments of this specification is to provide a credit limit proce...

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Application Information

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IPC IPC(8): G06Q40/02G06N20/00
CPCG06N20/00G06Q40/03
Inventor 王伟熊永福
Owner 重庆蚂蚁消费金融有限公司
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